Frequently Asked Questions

Pre-existing conditions usually aren’t covered, but this may be dependent on certain factors, so it is best to speak to our experts.

Some UK private health insurance policies may include mental health treatment, but this can vary between providers and plans.

Yes. Private health insurance has the flexibility of choosing your consultant it also allows you to choose where you would like to receive care.

Premiums may increase annually; however, this is dependent on many factors. You must update your insurer on any health needs.

Cancellation terms vary depending on the insurer. Policies are usually annual contracts, and terms should be reviewed before cancelling.

If you’re considering family health insurance, you can choose a plan that covers your whole family under one policy. Many insurers allow you to add family members to an existing policy. The options available and any changes to cost will depend on your specific plan and the insurer.

Depending on the specifics of your policy, private health insurance may or may not cover optical and dental care. Some insurers may offer coverage as part of your plan only up to a specified amount. Others may not offer any coverage at all. You might be able to add optical and dental care as an add-on with some insurers for an additional fee as well.
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